Comparing auto insurance companies in Fullerton, California can be challenging because you have many choices and picking a good California insurance agency takes more work than just randomly choosing from the yellow pages. We’re guessing you’re looking for a good agent, but you also need great rates as well.
With companies like State Farm, Allstate, Farmers and independent agents all competing for business in Fullerton, it can be hard to know which one will have the cheapest rates and the best coverage. Fortunately, consumers can get online quoting in order to build a list of insurance agents and price estimates.
How to compare Fullerton auto insurance rates
Educated insurance agents can help determine the best coverages and give you someone to call. The best thing about comparing rates online is you may find the lowest rates but still work with a licensed agent. Buying from local agencies is important particularly in Fullerton.
Once you complete this form (opens in new window), the quote information is sent to participating agents in Fullerton who will give you bids for your coverage. There is no reason to visit any agencies because quoted prices will be sent immediately to your email address. Now that’s easy!
How to choose the best car insurance agent in Fullerton
When searching for local Fullerton agents, you must know there are a couple types of insurance agents from which to choose. Agencies in Fullerton are classified as either independent (non-captive) or captive. Either one can do a good job, but it’s good to learn how they differ because it can influence the selection process.
Independent Insurance Agents
Independent insurance agents are not locked into one company but instead can place your coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent.
When searching for an agent, it’s a good idea to contact at least one independent agent for maximum quote selection.
The following are independent insurance agents in Fullerton who can help you get comparison quotes.
Sarlese Insurance and Financial – 1440 N Harbor Blvd # 725 – Fullerton, CA 92835 – (714) 870-5663
EDN Insurance Svc – 2601 E Chapman Ave # 206 – Fullerton, CA 92831 – (714) 447-6000
Captive Insurance Agents
This type of agents work for only one company and some examples include AAA, Allstate and State Farm. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. Captives receive extensive training on the products they sell which can be an advantage.
Listed below are captive agencies in Fullerton that can give you rate quotes.
Farmers Insurance Group – 426 W Commonwealth Ave – Fullerton, CA 92832 – (714) 680-8855
Allstate Insurance – 1031 Rosecrans Ave # 210 – Fullerton, CA 92833 – (714) 879-1765
State Farm Insurance – 3460 N Harbor Blvd – Fullerton, CA 92835 – (714) 879-8850
For a full directory of Fullerton captive agencies, please view this page.
Picking a car insurance agent should depend on more than just a cheap price. These are valid questions to ask:
- How much can you save by raising your physical damage deductibles?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are claims handled at the agent’s location?
- If they are an independent agency, which companies do they recommend?
- What insurance companies do they work with?
- How often do they review policy coverages?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Does the agency have a good rating with the Better Business Bureau?
After getting answers to your satisfaction and an affordable coverage quote, you may have just found an auto insurance agent that can adequately provide auto insurance.
Also consider buying auto insurance direct
Car insurance agents are perfect for certain consumers, but you can also find affordable California auto insurance direct over the internet. A few companies, such as State Farm, Allstate and Farmers, who sell through the agent channel additionally provide the ability to quote and buy online. This is something to consider if you are the do-it-yourself type.
If you’re worried about not having an insurance agent’s advice, don’t sweat it. All companies that require consumers to choose their own coverages all provide contact methods you can use to get advice on coverages.
Is it cheaper to buy online? It’s difficult to say for sure because there are a lot of things that influence your rates. You may think that purchasing direct online cuts out the middleman. For most online online companies, however, the cost of constant advertising is expensive and this drives up their premium costs.
Additional resources for California consumers
Much more information about auto insurance in California can be read on the website for the California Department of Insurance through this link. Visitors are able to file complaints about an insurance agent or broker, learn about specific coverages, and learn about insurance regulations.
What is YOUR best insurance company?
Cheap auto insurance is available from both online companies as well as from independent agents in Fullerton, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.
Insureds switch companies for many reasons like questionable increases in premium, denial of a claim, unfair underwriting practices or extreme rates for teen drivers. Regardless of your reason, finding a great new company can be easier than you think.